Chargeback Dispute Letter Template (Bank-Ready)
Use the exact wording banks expect when disputing a credit card charge. No lawyer needed.
Download the Letter TemplateInstant download • Editable • Not legal advice
When to use this template
If you are facing these issues, this letter is your next step.
Bank denied your claim
Your bank closed the case without a real investigation or requested more “proof”.
Merchant won’t respond
You’ve emailed and called, but the merchant is ghosting your refund requests.
Don’t know what to write
You need a formal tone to be taken seriously but don’t want to hire a lawyer.
Why Most Chargebacks Get Rejected
Avoid these common errors that signal a lack of credibility to banks.
Emotional Language
Using angry or pleading language instead of cold, hard facts.
Missing IDs
Failing to reference specific transaction numbers and dates.
Bad Formatting
Submitting unstructured walls of text that agents skip.
No Deadline
Not stating clearly when a response is expected.
What This Chargeback Dispute Letter Does
We've pre-written the difficult parts. You just fill in the blanks.
- Uses formal bank-accepted structure
- Includes all required data fields placeholders
- Clear, professional, and firm tone
- Signals seriousness without empty legal threats
What's Included
How to use this template
Download
Get the file instantly. No complex signup required.
Fill Details
Replace the [bracketed text] with your transaction info.
Send to Bank
Upload to your bank portal or mail via certified post.
Keep Records
Save a copy. Our checklist helps you track the timeline.
Don’t let the deadline expire.
Chargebacks have strict time limits. Act before your window closes.
Download Chargeback Letter100% Secure Download • DOCX & PDF Format
LEGAL DISCLAIMER
This document is a template provided for general informational purposes only and does not constitute legal advice. We are not a law firm and are not a substitute for an attorney or law firm. Your use of this template does not create an attorney-client relationship. Results of any dispute are not guaranteed. If you have specific legal questions or a complex situation, please consult with a qualified attorney in your jurisdiction.
Frequently Asked Questions
What is a chargeback dispute letter?
A chargeback dispute letter is a formal written request sent to your bank to dispute a credit card charge using a clear, structured, and professional format.
Will this template guarantee a refund?
No. This template improves clarity and credibility when submitting a dispute, but final decisions depend on your bank and the specific circumstances of your case.
Can I use this with any bank (Chase, Amex, BOA)?
Yes. The template is designed to work with major U.S. banks including Chase, Bank of America, American Express, and most other card issuers.
What file formats are included?
You receive the template in DOCX (Word) and PDF formats, plus an evidence checklist and usage guide.